Life and Disability Insurance: Applying Together

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Applying for Life Insurance Simultaneously with Disability Insurance When you apply for either life insurance or disability insurance, the companies will require you to conduct a paramedical exam. This is a blood and urine test and in some cases a series of medical questions asked by a professional. After the tests are complete, the results are sent directly to you. …

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Weighing the Odds of Disability, for Insurance Purposes

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By PAUL SULLIVAN Published: October 19, 2012 OF all the types of insurance people are thinking about, disability insurance may be the last on the list. Christopher Berkey for The New York Times While Linda Hatchett of Nashville was recovering from a hip replacement, her job was eliminated. Her disability insurer offered her career counseling and she accepted a lump …

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Disability Insurance Underwriting

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Tips to Making the Disability Insurance Underwriting Process Smooth Disability insurance underwriting can be an intimidating process. But it doesn’t need to be. Here are some tips to help you with your individual disability insurance underwriting process: 1)      Be upfront with your agent or broker about your medical history. This will help prevent any surprises along the way. For instance, …

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Simplified Disability Insurance Underwriting

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Disability insurance underwriting can be complicated. But it doesn’t have to be when you consider purchasing your policy with a simplified underwriting program. If you are looking to purchase a policy with less than $5000/month benefit without the need for more in the future and don’t have any major health conditions, you may want to consider a simplified underwriting plan. …

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How Your New Year’s Resolutions May Help You To Reduce Your Life and Disability Insurance Premiums in 2011

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Happy New Year! Topping the list of New Year’s Resolutions is typically weight loss and smoking cessation. In addition to the health benefits to these changes, they may help you save money on your life and disability insurance premiums, too. 1) Quit Smoking. Smokers pay approximately 30-40% more on their life and disability insurance premiums. If you currently have a …

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